The other day I was doing my requisite research on our generation when I stumbled across a posting at "Boomers World Wide."On their FaceBook page they were conducting a poll which asked:"What was the first band you ever saw?"Wow, that was a long time ago.But you know what, I remember it like it was yesterday.Well, kind of !!!It was 40 years ago.If my memory still serves me, the first real concert I ever attended was "Deep Purple" in 1974 at the International Amphitheater in Chicago.I remember it was early summer and I had just graduated High School.I was a young whipper-snapper at only 18 years old.You can imagine how psyched I was to see real "Rock and Roll" at one of the classic historic venues.It was live.It was raw.It was scary.And I was there !!!What a great experience that only our generation would understand.

What a great memory to tell my grandkids about.

What an incredible adventure.I got arrested that night.

What?If you want to hear the rest of the story, give me a call one day and we'll go share a few beers and I'll tell you about it.So, anyway, what was the first band you saw?

You can check out your fellow Baby Boomer responses to the "Boomers World Wide" poll at:

Well, all of this reminiscing got me to thinking about our history with rock and roll and how gracefully (or not) we have aged. Do you still "take those old records off the shelf and sit and listen to them by yourself?"Do you still get out to see some of the "greats" when they come to your town?Kiss, The Rolling Stones, Styx, Rush, Yes, Ted Nugent, ZZ Top, The B-52's and even Black Sabbath are all still touring the world.Baby Boomers are still lighting up the airwaves.

Here's my question...........

"What is the last band you have seen?"

Well, I ran across this incredibly cool video of the band Styx from 2012 on the CNN website.Click on the link below to watch it...........http://www.cnn.com/video/data/2.0/video/showbiz/2012/04/26/styx-baby-boomers.cnn.htmlIt is a beautifully done piece (5 minutes long - it's worth it) that shows how Styx, a band full of baby boomers, has remained vital and exciting even to this day.Styx, like all iconic rock bands are redefining the way we are looking at aging today.So, are you still "Kicking Out the Jams?" or do I have to ask: "Have you gotten too old to rock and roll?"Let me know how old you are, what is the last band you have seen and how you felt about it.Make sure to comment below.

If you found today’s blog helpful, interesting, or even funny, I bet your friends would too.

Right off the bat, he impressed me with his warm personality, eagerness to help and obvious extensive experience in the financial services industry.

Besides that, he is an Illinois college Graduate (Western Illinois University, Macomb, IL) like me (University of Illinois, Champaign-Urbana, IL), he loves to coach Little League and his son, Nick, is a professional baseball player recently called up by the San Francisco Giants.

What a small world.

I probably saw his son playing in Spring Training this year in Phoenix.

Anyway, William has been kind enough to accept my offer to be a resident adviser on all things financial on my blog.

Thanks to William, I will be bringing you articles and blogs, from time to time, that I think are important to you.

Other than your health, your financial state has the single most direct effect on the personal enjoyment and comfort you will experience as you grow older.

That's why I am passionate about making sure you have the right information and a resource to turn to with your questions.

Here's a great article from William discussing the challenges of "Retirement Withdrawal Rates."

Retirement Withdrawal Rates

During your working years, you've probably set aside funds in retirement accounts such as IRAs, 401(k)s, and other workplace savings plans, as well as in taxable accounts. Your challenge during retirement is to convert those savings into an ongoing income stream that will provide adequate income throughout your retirement years.Your retirement lifestyle will depend not only on your assets and investment choices, but also on how quickly you draw down your retirement portfolio. The annual percentage that you take out of your portfolio, whether from returns or the principal itself, is known as your withdrawal rate. Figuring out an appropriate initial withdrawal rate is a key issue in retirement planning and presents many challenges.

I know this is not the most exciting or provocative subject to read about today but bear with me.You have to remember that my "call to duty" at Survive55.com is to help our Baby Boomer generation, keep them informed, safe and "plugged in" the best I can.Sometimes, that means that we have to take care of the menial tasks in life as well so that little issues don't become bigger problems.I am a huge advocate of "an ounce of prevention" philosophy.So, today I am going to ask you to use an "ounce of prevention" to defend against possible big issues with your cars before the wild weather of summer sneaks up on you.

Summer's heat, dust, vacation travel and stop-and-go traffic can really take a toll on your vehicle. Here in Arizona we get the extreme sides to the weather: Excessive heat in the 100's for months on end, "Haboobs" or massive dust storms that can choke a camel and when it does rain, look out for micro-bursts and hail.All of these wonders of nature can really wreak havoc on your cars.And if you live somewhere in the nation that really does experience true winter weather then the after effects of the snow, sleet, salt and freezing temperatures can really set you up for a breakdown.So, although it may not be the most exciting subject to be tackling right now, it is one of the most important, right?Let's take a few minutes to look at some priority maintenance tips on what you can do to get your car, jeep, truck, SUV or crossover ready to roll this summer.Summer Car Care Tips

1. Check the tire pressure.This entire article started because I walked outside the other morning (it's now getting light at 6:00 AM) and noticed that the tires on my van looked low.Why was that?Since air is a gas, it expands when heated and contracts when cooled. The rule of thumb is for every 10° Fahrenheit change in air temperature, your tire's inflation pressure will change by about 1 PSI (up with higher temperatures and down with lower).In most parts of the US, the difference between average summer and winter temperatures is about 50° Fahrenheit.This can result in a potential gain or loss of about 5 PSI as the daily temperatures change. Plus tires do lose pressure each day, through the process of permeation. In cool weather, a tire will typically lose one or two pounds of air per month. but as it warms up it's common for tires to lose air at an even higher rate. Put these together and you might find that your tires are down by 10 to 15 PSI from recommended pressures.A 15 psi fluctuation can seriously affect handling, traction, and durability.It is critical to have properly inflated tires at all times, as this assures the best possible contact between the tire and the road. Make sure to read your owner's manual (you know that cool little book in your glove box) to find the correct tire pressures, and, if necessary, adjust pressures to compensate for the hotter operating conditions -- especially if you're doing lots of high-speed driving on a summer-vacation road trip. Properly inflated tires will also last longer and improve gas mileage.

Because of summertime's higher temperatures, the air pressure in a warm tire rises. Keep this in mind if you are checking tire pressures. The given tire pressure specifications are for when the tires are cold, therefore the pressure should be checked when the tires are cold - best in the early morning.P.S. Don't forget to have the tires rotated so that they all wear evenly over time.

2. Change the engine oil and adjust the viscosity grade.OK, "Tool Time Tim" this isn't as hard as it sounds. Viscosity refers to the thickness of the oil. Engine oils are sold with different levels of viscosity, and most newer grades are multi-viscous, which means the oil's thickness can change depending on its temperature. Generally speaking, the warmer the oil is, the thinner it will be. If the oil is too thin, the engine might not get the proper lubrication. To resolve this summertime issue, you can change your vehicle's engine oil to one that is a little thicker. Determining what type of oil your car should have during the summer is easy. Simply read your vehicle's owner's manual (there's that snifty little book again) because it lists recommendations for different climates and temperatures.If you don't want to get your hands dirty, head to a dealership or local garage and have them perform the oil change.This time of year there are numerous Groupons, coupons and discounts available for a full service oil change.Get your oil filter changed at the same time.Be aggressive and ask to see the old filter when they pull it.This way you can inspect the old oil to see how dirty it is and if there are any contaminants in it plus you really look like you know what you are doing.As an FYI..........Most modern cars have recommended oil grades of 5W-30, 10W-30 or 10W-40 which are all multi-viscous grades.

3. Check your battery.A battery gives little warning before it goes dead. In Arizona your car will start one moment and then it's dead as a door nail the next.More than likely the battery will expire when you least expect it. Be prepared.Hot weather can put additional strain on a battery. If your vehicle battery is more than three years old, have it tested.They will do that for free at AutoZone, Napa or any neighborhood auto parts dealer.Also, make sure the posts and connections are free of corrosion. If you experience any sign of power drop: lights dim at starting, power drain when turning on the A/C, slow cranking, etc. then it is a sure sign your battery is dying.If you're embarking on a long trip, consider replacing the battery if you don't know how old it is. It really is cheap insurance when you're out on the open road.

4. Inspect the belts and hoses.My girlfriend and I were just talking about this the other night.Her truck is about 5 years old and we don't think the belts have ever been changed.The belts and hoses in modern vehicles last a long time, but that doesn't mean they don't have the potential to fail. This is not the "good old days" where you can tie a shoe lace around your pullies to get by until you reach a gas station for repairs.These serpentine belt configurations (or SBC's as I like to call them....LOL) are damn complicated and one failure can lead to a whole mess of trouble.Before summer begins take you vehicle to a shop (I recommend the same time you are having your oil changed and tires checked and rotated) to have the belts and hoses inspected on your vehicle. Again, like your battery, if you're not sure when they were last replaced, consider having them changed, especially before heading out a long road trip.

5. Inspect the wipers and wiper fluid.Here is where "Murphy's Law" will always rear it's ugly head.It will always start raining while you are on your way to get your windshield wipers changed out.Don't let that happen to you.Be preemptive with old Mr. Murphy.Head over to your favorite auto parts store and, if you are nice, they will probably offer to change them out for you.It only takes a a few minutes.Visibility is always important and even more so during the exotic summer storms that can be quite severe in some parts of the country like Arizona. Throw together a massive dust storm and a quick downpour and you have a recipe for total lack of visibility.The life expectancy of a wiper blade is one year. If your car's blades are dried out and not making full contact with the windshield, replace them.

6. Check coolant/antifreeze mixture.Before you know it, it's going to get freaking hot outside.Make sure your coolant is functioning properly or you will toast your engine.The ideal mixture of coolant and water inside your vehicle's radiator is 50:50. If the mixture deviates from this norm, then hot-weather performance can be compromised. It's not like the old days where you poured an entire jug of Prestone into the radiator every summer.The cooling system on modern vehicles is dialed in and sensitive to changes.Today's engines run much hotter than they ever did.

Follow the instructions in your owner's manual (that damned little book again).You can check the balance of your radiator's mixture by using an antifreeze tester. You can find these at all auto parts stores, and they are inexpensive and easy to use.If the mixture's balance is off, adjust it by adding either coolant or water

7. Air Conditioning

Let me say it again: Before you know it, it's going to get freaking hot outside.

Don't get caught in a sweltering car on a 100+ degree day wishing you had checked your A/C.Trust me, a marginally operating system will fail in hot weather.

Have the system examined by a qualified technician.

There are Groupons and coupons and discounts for this service as well.

A properly functioning A/C system in your car is not a luxury.It is a necessity in Arizona and other parts of the country in the summer.

Does your car have the summer time "stink"?Mine does.

Newer models have cabin air filters that clean the air entering the heating and air conditioning system.

These can get real dirty real fast and even get moldy (thus the smell) because of the moisture from the A/C system.Check your owner's manual (you know what I'm talking about right? - that little book again) for location and replacement intervals.

8. Engine Filters

Speaking of "stinky" and "dirty" make sure to replace all of your other vehicle filters (air, fuel, PCV, etc.) as recommended more often in hot and dusty conditions. Many times a simple, low cost filter will be the cause of an engine malfunction like hard starts, rough idling, stalling, diminished power, etc.When you are getting your oil changed, tires tested and rotated, air conditioning and/or fluids checked at a good shop then get these filters looked at and replaced if needed.

9. Carry an emergency kit inside your car.This is probably not something you ever thought about before as a vehicle maintenance tip but you should consider carrying a "safety" kit at all times in your trunk.Include the following:

A flashlight, flares and highway triangles

First-aid kit.

Jumper cables.

Extra clothes and gloves.

Paper towels and rags

Extra washer fluid.

Food and water.

Basic tools like wrenches, a ratchet and sockets, screwdrivers and pliers or Vise-Grips.

Rope and bungee cords

Pencils, paper and accident forms

I got into this habit thanks to the companies I worked for in the past. They required everyone with a company car to keep an emergency kit in their trunks.It has saved my skin and made my life much easier many times in the past.

10. Get a car washOK, so your prized Porsche (or in my case a 1954 Oldsmobile Dilemma) is all checked out and ready to roll this summer.The tires look good, the wipers are new, the fluids and A/C are checked out so what is left to do?Get your prized puppy washed, waxed and detailed that's what.Not only do you look "hot" rolling down the street in a clean vehicle but proper maintenance of the paint will keep it looking good for years down the road.Plus there are safety reasons to keep your vehicle clean as well.It is important to keep your headlights clear and bright.The vehicle will run cooler if you keep your radiator from becoming a bug zoo.And it's pretty damn important that you can see out the windshield as well while driving.

Like I said, this isn't the flashiest of topics to talk about and this article probably won't go viral (unless you somehow feel it should and you pass it on to everyone you know)but it is timely and it is very important to your safety and state of mind.You are in your car a lot so make sure you don't lose a lot of brain cells worrying about how it is running.

If you found today’s blog helpful, interesting, or even funny, I bet your friends would too.

There are thousands of different ways they will come at you. It makes sense to always be prepared.

In this day and age, the sage advice "If it looks too good to be true, then it is" has never been more pertinent.

Well, the fine folks at NeoMam Studios read some of my past blog articles (click on links above) about scams targeted at our Baby Boomer generation and they put together this wonderful and easy to read infographic for me to give to you.

This chart dissects the most common scams that target senior citizens. Take a look at their advice and please make sure to share it with everyone you know that may be vulnerable to this kind of trickery.

8 Scams that Prey on Older People [Infographic] by the team at Bluebird Care

If you found today’s blog helpful, interesting, or even funny, I bet your friends would too.

Did you know that according to HHS.Gov/HealthCare (U.S. Department of Health & Human Services:

Because of the Affordable Care Act, health care is finally affordable for millions of Americans and their families: Premiums are holding stable and nearly 8 in 10 current consumers could get covered for $100 or less after tax credits. Before the Affordable Care Act, consumers on the individual market often were subject to double-digit rate increases. On average, Marketplace premiums are seeing only modest increases.

87% of people who selected 2015 plans through HealthCare.gov in the first two months of Open Enrollment got financial assistance to help lower the cost of premiums.

Insurers have decided that the Marketplace is a good place to do business and as a result, consumers have more choices. Twenty-five percent more issuers have joined the Marketplace, and consumers can choose from an average of 40 health plans, which is up from 30 in 2014.

Consumers have saved $9 billion since 2011, because the law requires insurance companies to spend at least 80 cents of every dollar on consumers’ health care and empowers states to review and negotiate premium increases.

Millions of seniors are saving billions of dollars on prescription drugs: 8.2 million seniors have saved more than $11.5 billion on their prescription drugs since 2010 – an average of $1,407 per beneficiary.

Really?

Do I live in some sort of magical cosmic delusional reality?

I know absolutely nobody who has benefited from participating in the "Affordable HealthCare Act." In fact, the only responses I have received from my family, friends and social circle are negative. Those who have the wherewithal to afford insurance opted to find their own through private sources. Those who could not afford conventional sources of insurance have opted to forego purchasing any insurance on the Obamacare program because the prices were so high it was easier for them to just pay the fine on their income taxes.

Since today is "National Worship of Tools" Day I figured I would poke a little fun at men today.Not a hard poke just a fun poke.

So, women of the world, get ready to have some fun.

Most men, whether your husband, mate, life partner or significant other will probably spend most of today out in the garage, the tool shed, the storage closet or where ever he keeps your tools embracing this wonderful national event.

That's right, they will be grunting and growling in pleasure as they play with their tools; cleaning them, organizing them, making new things with them or maybe just heading to the local big box store to buy some new ones.

And guess what, they will probably utter something incredibly stupid during the course of the day.

They always do. That's what men do.

Ladies, has a man in your life ever said something to you so stupid that you wanted to inflict a slow and painful emotional death upon them?

Men, have you ever heard any of your "bros" utter something to their significant other that you just knew was going to get him a quick trip to the dog house with no chance of parole?

Well, the slideshow below is a fun collection of some of the classic "I wonder why I said that" statements from average men like me.

There are some real doozies.

We're men. Sometimes we can't help what we say.

I wonder if there is a tool to fix that?

Do Men really say things like this?There are some real doozies, huh?

Have you heard better........I would love to hear your best.Please share them in my comments section below.

If you found today’s blog helpful, interesting, or even funny, I bet your friends would too.

Do you just want some interesting and odd things to talk about when you find yourself at a loss for something to say during those uncomfortable conversations with the new people you meet at social gatherings?

Well, have I got good news for you.

I found a list of 50 crazy unique facts on the website "Distractify" that will surely help you achieve social conversation stardom.

I have been on this planet over 58 years and I can't believe that I only knew one of these facts.

But, now I can look like Mr. Wizard whenever I talk to someone.

Can you picture one of my future conversations?

Bombshell blonde I just met at a Corporate Happy Hour Event: "Did you know that there are an estimated 11 million cancer survivors living in the United States today?"

Me, trying not spit my appetizer out and fumbling with my drink: "No, but did you know that chainsaws were originally used to help with childbirth?"

Hey........They don't call me Mr. Smooth for nothing !!

I hope you enjoy these wonderful facts and can use them more wisely in conversations than me.50 Interesting and Odd Facts

1) NOBODY KNOWS EXACTLY WHO HOLDS THE PATENT FOR THE FIRE HYDRANT BECAUSE THE PATENT OFFICE THAT HELD THE RECORDS BURNED DOWN.

2) CROISSANTS ARE ORIGINALLY FROM AUSTRIA AND ACTUALLY AREN’T FRENCH. 3) IN A DECK OF CARDS, THE KING OF HEARTS IS THE ONLY KING WITHOUT A MUSTACHE. 4) THE AVERAGE PERSON SPENDS 2 WEEKS OF THEIR LIFE WAITING AT TRAFFIC LIGHTS. 5) BEFORE RUBBER, PEOPLE USED BREAD TO ERASE PENCIL MARKS. 6) SPEAKING OF PENCILS, THEY HAVE ENOUGH GRAPHITE IN THEM TO DRAW A LINE 35 MILES LONG. 7) VELCRO WAS INSPIRED BY THE BURRS FROM PLANTS THAT GET STUCK TO YOU. 8) CHOCOLATE MILK WAS FIRST SOLD AS MEDICINE. 9) THERE ARE ABOUT 177,000 WAYS TO TIE A TIE…AND I ONLY KNOW 1! 10) SILLY PUTTY WAS ORIGINALLY MADE TO BE A RUBBER SUBSTITUTE DURING WWII.

11) YOU CAN’T FOLD A REGULAR SHEET OF PAPER IN HALF MORE THAN 7 TIMES. BUT IF YOU COULD FOLD IT JUST 42 TIMES, IT WOULD BE THICK ENOUGH TO REACH THE MOON!

12) IT TAKES ABOUT 850 PEANUTS TO MAKE A JAR OF PEANUT BUTTER, AND PEANUTS ARE ACTUALLY LEGUMES NOT NUTS.

13) THE ORIGINAL NAME FOR Q-TIPS WAS BABY GAYS.

14) CHAINSAWS WERE ORIGINALLY INVENTED TO HELP WITH CHILDBIRTH.

15) AGLETS ARE THOSE PLASTIC PIECES AT THE END OF YOUR SHOE…YEAH THEY HAVE A NAME.

16) OREOS ARE ACTUALLY A RIP OFF OF THE HYDROX COOKIE.

17) IF YOU STACKED EVERY OREO EVER MADE, THEY WOULD REACH THE MOON AND BACK OVER 5 TIMES.

18) MOVIE TRAILERS USED TO PLAY AFTER THE MOVIE, HENCE THE NAME.

19) THE FIRST WEBCAM WAS SET UP TO CHECK THE LEVEL OF A COFFEE POT AT CAMBRIDGE UNIVERSITY WITHOUT GETTING UP.

20) IT TAKES 27,000 TREES A DAY TO KEEP UP WITH THE WORLD’S TOILET PAPER DEMANDS.

21) EVERY TIME YOU SHUFFLE OF A DECK OF CARDS, IT’S PROBABLY THE ONLY TIME EVER THAT ANY DECK OF CARDS HAS BEEN IN THAT ORDER.

22) THE VARIETY OF BANANA THAT WE ALL EAT IS THE CAVENDISH. THEY ARE ALL CLONES OF A SINGLE BANANA AND ARE GENETICALLY THE SAME.

23) ALL OF THE BATTERIES IN THE WORLD CAN ONLY STORE 10 MINUTES OF THE WORLD’S ENERGY NEEDS.

24) THE FIRST PRODUCT TO HAVE A BAR CODE WAS A PACK OF WRIGLEY’S GUM.

25) THE AMPERSAND (&) USUALLY MEANS THE SAME THING AS “AND,” BUT IN MOVIE CREDITS THEY STAND FOR DIFFERENT THINGS. THE “&” DESIGNATES A TEAM WORKING TOGETHER WHILE “AND” IS USED FOR PEOPLE THAT WORKED INDEPENDENTLY.

26) IF YOU WANTED TO BUY THE PARTS TO MAKE AN IPHONE IN 1991, IT WOULD HAVE COST ABOUT $3.5 MILLION.

27) OVER 400 MILLION M&MS ARE PRODUCED EVERYDAY.

28) REVOLVING DOORS ARE MUCH BETTER FOR ENERGY SAVINGS AS THEY EXCHANGE 8 TIMES LESS AIR WITH THE OUTSIDE ENVIRONMENT THAN REGULAR DOORS.

29) BARBIE’S FULL NAME IS BARBARA MILLICENT ROBERTS.

30) AND CAPTAIN CRUNCH’S FULL NAME IS HORATIO MAGELLAN CRUNCH, BUT HE ISN’T REALLY A CAPTAIN. THE STRIPES ON HIS UNIFORM ARE ACTUALLY THOSE OF A COMMANDER.

31) ADDING SALT TO PINEAPPLES WILL ACTUALLY MAKE THEM SWEETER.

32) A FULL HEAD OF HUMAN HAIR IS STRONG ENOUGH TO SUPPORT 12 TONS OF WEIGHT.

33) THERE ARE MORE FAKE PLASTIC FLAMINGOS THAN REAL ONES.

34) DESPITE THE NAME, REFRIED BEANS ARE ONLY FRIED ONCE.

35) YO-YOS USED TO BE CALLED BANDALORES.

36) A 747 JET WOULD COST YOU A LOT TO FILL UP BECAUSE IT HOLDS OVER 63,000 GALLONS OF FUEL.

37) THE JAPANESE COMPANY YKK MAKES OVER 90% OF ALL THE ZIPPERS IN THE WORLD.

38) MOST PEOPLE KNOW HONEY IS THE ONLY FOOD THAT DOESN’T GO BAD, BUT DID YOU KNOW THAT OUT OF THE 20,000 SPECIES OF BEES ONLY 4 MAKE HONEY.

39) RECYCLING ONE ALUMINUM CAN SAVES ENOUGH ENERGY TO WATCH TV FOR THREE HOURS.

40) ALL OF THE GOLD HUMANS HAVE MINED WOULD FIT INTO 4 OLYMPIC SIZED POOLS.

41) ALSO, 99% OF EARTH’S GOLD IS IN ITS CORE AND UNOBTAINABLE. IF WE COULD MINE IT, WE WOULD BE ABLE TO COAT THE ENTIRE PLANET IN A 1.5 FOOT LAYER OF GOLD.

42) THE SIGNATURE LINE ON CHECKS IS NOT REALLY A LINE. IT JUST THE WORDS “AUTHORIZED SIGNATURE” PRINTED REALLY SMALL.

43) TIC TACS ARE LISTED AS HAVING 0 GRAMS OF SUGAR, EVEN THOUGH THAT IS THE FIRST INGREDIENT.

44) THE LEGOS PRODUCED IN 2012 WOULD WRAP AROUND THE WORLD MORE THAN 18 TIMES.

45) BIRTH CONTROL PILLS ALSO WORK WHEN GIVEN TO CHIMPS.

46) A STRAWBERRY ISN’T A BERRY, BUT AVOCADOS AND BANANAS ARE.

47) TONIC WATER GLOWS IN BLACKLIGHT.

48) LIGHTERS WERE INVENTED BEFORE MATCHES.

49) BUTTERMILK DOESN’T EVEN HAVE BUTTER IN IT.

50) A BABY RABBIT IS A KITTEN, NOT A BUNNY.

If you found today’s blog helpful, interesting, or even funny, I bet your friends would too.

Author

Jay Lickus was born in 1956 in the harmonious and affableMarquette Parkneighborhood on the South side of Chicago. He attended 12 years of Catholic school and graduated from the University of Illinois. He began his professional career as a paperboy (didn't we all) and matured quickly working his way though numerous menial jobs - factory worker, kitchen helper, pizza maker (not a bad gig), shipping and receiving clerk and go figure, a house painter. During college he started his own painting and contracting company. In the late 80's he moved to Los Angeles to begin a sales career in the paint and coatings industry. In 2012, after 10 years as a top notch sales representative and another decade or so as a blue chip Sales Manager, he was unceremoniously kicked to the curb like an unwanted old piece of furniture ( I humorously embellish for effect) only to begin his new path to a better and more satisfying life. Jay currently resides in Surprise, AZ building a prosperous Real Estate business. He has four wonderful kids and 7 glorious grandchildren scattered across the U.S. As of today, he is one very happy man !!